Category: Residential mortgages


In the North East, a 5% deposit would require a savings pot of £10,653 for the average new-build homebuyer in the region.

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Within the EPiC range, rates start at 2.65% for standard properties, 2.91% for small HMOs, and 3.49% for large HMOs, MUFBs and holiday lets.

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The biggest gains in the past six months were in Scotland and the South East, with over-65s gaining more than £13,000 and nearly £12,000 respectively.


Aaron Strutt at Trinity Financial said: “Many borrowers are not aware that lenders offer more generous income multiples, particularly to higher earners.”

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The reductions mean HSBC UK is offering its lowest ever interest rate of 0.94%.

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The average price of property coming to market this month has increased by 1.8%, £5,767, to 333,564.


Average house prices increased by 11.7% across England and Wales in the year to April 2021, according to e.surv Chartered Surveyors’ House Price Index.

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Its 75% LTV product is now available at 0.75%, and its 70% LTV product is offered at 0.70%.


Metro Bank has increased its income multiple up to 5.5 times annual earnings, subject to an affordability assessment.

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Perhaps the biggest retail casualty has been Debenhams, which has already liquidated 52 stores with the remaining 45 to close by 15 May.